New York Foreclosure Defense
New York foreclosures run through the courts: the lender must sue, prove it actually holds the note, and clear strict pre-foreclosure notices — and missing any one of several steps can delay or defeat the case.
Process: Judicial — the lender must file a lawsuit and win a judgment before any auction.
Pre-foreclosure notice: 90-day pre-foreclosure notice (RPAPL §1304), the §1306 filing, and the §1303 homeowner notice.
Statute of limitations: 6 years on the note (CPLR §213(4)); FAPA (2022) curbs lenders resetting the clock.
Lead move: Order to Show Cause to vacate a default judgment + TRO to stay the sale (CPLR §5015(a)(1)).
Facing a sale date in New York?
HWS organizes your self-help defense as a tracked Matter — deadlines, document analysis, and court-ready draft templates your attorney can review before you file.
This is self-help educational information, not legal advice, and Health Wealth Stealth is not a law firm. It does not create an attorney-client relationship. We never charge advance fees and make no guarantee of any outcome. Consult a licensed New York attorney about your situation.